JOB DESCRIPTION
Employer Department
Vallant Bank Business Banking
Job title Exemption status
Portfolio Assistant Non-Exempt
Supervised by
Portfolio Assistant Manager
Job Summary
The Portfolio Assistant is responsible for assisting the Business Banker with office duties such as opening/closing the office, answering the phone and providing exceptional customer service. Team member will serve as face of the bank, relationship contact and liaison between the client and other areas of the Bank in resolving client problems and meeting the client’s needs.
The team member will assist the customers, bank staff and third-party relationships on behalf of the lender. The assistant will work closely with the lender on business development and marketing efforts. The team member is responsible for assisting with origination documentation and follow-up for loan closings. They are responsible for ensuring compliance with regulatory requirements and conformance with Bank policies and procedures. They will work closely with the loan officer as well as the Bank’s approved settlement agents, obtaining the necessary documentation needed for the transaction to ensure that the loan package is compliant according to regulatory guidelines and that lien attachment has been properly established. The assistant will work with the loan officer to clear document exceptions both prior to and post-closing. They will assist in managing various portfolio items necessary to service existing loans and maturing loans.
The team member is responsible for:
- cross selling bank products and services to customers through telephone contacts and personal visits
- building long-term customer relationships
- maintaining a positive service mentality
- ensuring superior quality service in completing all customer transactions
- matching the financial needs that achieve those customer goals with product and service solutions
- demonstrating an accurate knowledge of the bank's products and services
The employee will complete job duties in accordance to compliance guidelines and regulations. The employee will support the bank's strategic goals, vision, mission, core values, service standards and service philosophy in actions, words and deeds.
Education
- High school diploma, College preferred.
Prior Experience
- Three-year banking, administrative and related sales experience preferred.
Required Skills & Talents
- Must have a basic knowledge of the bank's products and services.
- Must have a willingness to serve.
- Must be able to function efficiently in a network environment and have a working knowledge of Microsoft Office and SharePoint.
- Must be able to function efficiently on a general business level of math, possess general accounting knowledge (i.e. debits, credits, and an understanding of the bank's account reconciliations).
- Project a professional image by adhering to guidelines in the employee handbook.
- Must be able to collect, research, and analyze information skillfully.
- Must be a self-starter, a creative thinker, flexible, eager, nurturing, open to change and exhibit good judgment.
- Must be a leader by example, attentive to detail, work well with others and responsive to supervisory guidance.
- Must be able to identify and interpret trends in financial data.
- Must have a working knowledge of compliance guidelines for the bank and the industry.
- Prospecting for new clients.
- Obtaining appointments by telephone and in person.
- Conducting interviews with prospects and clients.
- Closing the deal.
- Asking for referrals.
- Tracking new business through completion.
- Initiating communications with vendors on behalf of clients.
- Document and maintain records of all transactions and communications with clients.
- Keeping records of sales results.
- Must have knowledge, skills, and experience with loan software.
- Banking and Finance skills, knowledge and talents:
- Must know loan documentation necessary for consumer and commercial lending.
- Must have knowledge of lending regulations.
- Must know how to read financial statements. This includes the balance sheet, profit & loss statement, and cash flow statement.
- Must be able to identify and interpret trends in financial data.
- Must have a working knowledge of compliance guidelines for the bank and the industry.
- Broad, general knowledge of insurance products.
- Must understand loans and commitment letters.
- Other as required to meet departmental needs.
Vallant Bank is an Equal Opportunity Employer and a Drug Free Workplace. As a condition of employment, a completed Application of Employment and satisfactory results from a background check and drug screening must be received. Vallant supports a diverse work force and welcomes all qualified applicants. It is the policy of Vallant Bank to consider applicants without regard to race, color, religion, creed, national origin, gender, disability, marital or veteran status, age or any other legally protected status.
Skills Required
- High school diploma
- College education
- Three years of banking, administrative, or related sales experience
- Basic knowledge of bank products and services
- Working knowledge of Microsoft Office and SharePoint
- General business mathematics and accounting knowledge, including debits, credits, and account reconciliations
- Ability to collect, research, and analyze information
- Knowledge of bank compliance guidelines and industry regulations
- Experience prospecting, scheduling appointments, conducting client interviews, closing deals, and obtaining referrals
- Knowledge of loan software
- Knowledge of consumer and commercial loan documentation and lending regulations
- Ability to read balance sheets, profit and loss statements, and cash flow statements
- Knowledge of insurance products, loans, and commitment letters
- Successful background check and drug screening
What We Do
Vallant Bank is a Georgia community bank serving individuals, families, and businesses through personal and commercial banking. Its offerings include checking and savings accounts, loans, mortgages, investments, business checking, treasury management, and commercial lending. The bank emphasizes local relationships and community involvement, pairing locally focused service with the resources of a broader Georgia banking organization. It operates across northeast, middle, and southeast Georgia.
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